The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$7,986
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,234
−HK$253/mo
Today · 4.125%
HK$8,487
baseline
▲ 0.50% · 4.625%
HK$9,003
+HK$516/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,974/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,884
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,123
−HK$241/mo
Today · 4.125%
HK$9,364
baseline
▲ 0.50% · 4.625%
HK$9,858
+HK$494/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,728/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,583
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,881
−HK$303/mo
Today · 4.125%
HK$10,184
baseline
▲ 0.50% · 4.625%
HK$10,804
+HK$620/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,368/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,661
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,947
−HK$290/mo
Today · 4.125%
HK$11,237
baseline
▲ 0.50% · 4.625%
HK$11,830
+HK$593/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,474/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,180
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,528
−HK$354/mo
Today · 4.125%
HK$11,882
baseline
▲ 0.50% · 4.625%
HK$12,605
+HK$723/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,764/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,438
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,772
−HK$338/mo
Today · 4.125%
HK$13,110
baseline
▲ 0.50% · 4.625%
HK$13,801
+HK$691/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,220/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,375
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,822
−HK$454/mo
Today · 4.125%
HK$15,276
baseline
▲ 0.50% · 4.625%
HK$16,206
+HK$930/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$30,552/mo (50% DSR)
Upfront cash ≈ HK$350K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,992
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,421
−HK$435/mo
Today · 4.125%
HK$16,856
baseline
▲ 0.50% · 4.625%
HK$17,744
+HK$888/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$33,712/mo (50% DSR)
Upfront cash ≈ HK$350K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).